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Personal Banking > Rates > Savings Account Rates

Savings Account Rates

Current as of October 1, 2024
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Savings Accounts

Regular Share

Opening & Min Balance Req.
$25+
Dividend Rate
0.01%
APY
0.01%
DETAILS

Performance Saver*

Opening & Min Balance Req.
$10+
Dividend Rate
1.00%
APY
1.00%
DETAILS

Performance Saver (without $10 monthly deposit)*

Opening & Min Balance Req.
$10+
Dividend Rate
0.01%
APY
0.01%
DETAILS

Christmas Club*

Opening & Min Balance Req.
$0+
Dividend Rate
2.72%
APY
2.75%
DETAILS

Market Saver | $0 – $2,499 Balance

Opening & Min Balance Req.
$0 - $2,499.99
Dividend Rate
0.01%
APY
0.01%
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Market Saver | $2,500+

Opening & Min Balance Req.
$2,500+
Dividend Rate
0.10%
APY
0.10%
Open Now

Teen Savings*

Opening & Min Balance Req.
$1+
Dividend Rate
0.15%
APY
0.15%
DETAILS

Tree Fort Club*

Opening & Min Balance Req.
$1+
Dividend Rate
0.15%
APY
0.15%
DETAILS

Money Market Accounts

Guaranteed Money Market Ultra Account | $0 – $2,499 balance

Opening & Min Balance Req.
$0 - $2,499.99
Dividend Rate
0.01%
APY
0.01%
DETAILS

Guaranteed Money Market Ultra Account | $2,500+ balance

Opening & Min Balance Req.
$2,500+
Dividend Rate
1.75%
APY
1.76%
DETAILS

Money Market | $0 – $4,999 Balance

Opening & Min Balance Req.
$0 - $4,999.99
Dividend Rate
0.01%
APY
0.01%
DETAILS

Money Market | $5,000 – $14,999 Balance

Opening & Min Balance Req.
$5,000 - $14,999.99
Dividend Rate
0.10%
APY
0.10%
DETAILS

Money Market | $15,000 – $24,999 balance

Opening & Min Balance Req.
$15,000 - $24,999.99
Dividend Rate
0.12%
APY
0.12%
DETAILS

Money Market | $25,000 – $49,999 balance

Opening & Min Balance Req.
$25,000 - $49,999.99
Dividend Rate
0.15%
APY
0.15%
DETAILS

Money Market | $50,000 – $99,999 balance

Opening & Min Balance Req.
$50,000 - $99,999.99
Dividend Rate
0.20%
APY
0.20%
DETAILS

Money Market | $100,000 – $149,999 balance

Opening & Min Balance Req.
$100,000 - $149,999.99
Dividend Rate
0.25%
APY
0.25%
DETAILS

Money Market | $150,000 – $249,999 balance

Opening & Min Balance Req.
$150,000 - $249,999.99
Dividend Rate
0.30%
APY
0.30%
DETAILS

Money Market | $250,000 – $499,999 balance

Opening & Min Balance Req.
$250,000 - $499,999.99
Dividend Rate
0.35%
APY
0.35%
DETAILS

Money Market | $500,000 – $999,999 balance

Opening & Min Balance Req.
$500,000 - $999,999.99
Dividend Rate
0.45%
APY
0.45%
DETAILS

Money Market | $1,000,000+ balance

Opening & Min Balance Req.
$1,000,000+
Dividend Rate
0.50%
APY
0.50%
DETAILS

Retirement, Education & Health Savings

IRA Savings*

Opening & Min Balance Req.
$0+
Dividend Rate
0.10%
APY
0.10%
DETAILS

Roth IRA Savings*

Opening & Min Balance Req.
$0+
Dividend Rate
0.20%
APY
0.20%
DETAILS

Health Savings*

Opening & Min Balance Req.
$0+
Dividend Rate
0.20%
APY
0.20%
DETAILS

Coverdell ESA*

Opening & Min Balance Req.
$0+
Dividend Rate
0.20%
APY
0.20%
DETAILS

Fees

Share Account Service Fees

Share Account Service Fees

Minimum Balance – In the event the primary share balance falls below the minimum of $25.00 requirement at any time during the month, a fee will be assessed upon the account reactivation. $10.00

Account fees may reduce earnings.

Share Draft (Checking) Account Service Fees

Share Draft (Checking) Account Service Fees
  • Affinity Plus Checking Monthly Service Charge. $7.00
  • Opportunity Checking Monthly Service Charge without Direct Deposit. $10.95
  • Opportunity Checking Monthly Service Charge when you have Direct Deposit of your entire payroll, pension, or social security check (at least $500 per month) to your checking account. $8.95
  • Community Checking Monthly Service Charge. Available through Certified Counseling Agencies. $3.99
  • Returned Item Fee – All Checking Account Programs. $30.00
  • Overdraft Fee. Per occurrence. Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. $30.00
  • Transfer Fee. From any share account to cover an overdraft. $5.00
  • Checking Account Re-Open Fee. Re-opening a previously active checking account. $10.00
  • Checking Account Closure Fee. With outstanding items. $5.00
  • Checking Account Closure Fee. Initiated by Credit Union. $25.00
  • Stop payment Fee. Per Order. Valid for 6 months or until canceled. $25.00
  • Check Orders. Price varies
  • Temporary Check Fee. Per sheet (or every 4 checks). First sheet on a new share draft account is free. $5.00

Account fees may reduce earnings.

Electronic Service Fees

ELECTRONIC SERVICE FEES
  • Debit/Check Card Replacement Fee. $5.00
  • Debit/Check Card Replacement. (Member Request – rush status) $50.00
  • Non-Credit Union Owned ATM Withdrawal Fee. Per withdrawal. Affinity Checking, Opportunity Checking and Teen Checking members receive 10 free monthly. $1.00
  • Non-Credit Union Owned ATM Withdrawal Fee. Per withdrawal. Share/Savings Account and Business Checking. $1.00
  • Returned Item Fee. Per occurrence. $30.00
  • ACH Revocation Fee. Permanently stop an ACH pre-authorized item. $25.00
  • ACH and Bill Payment One Time Stop Payment Fee. $25.00
  • Money Wire Service. Outgoing – Financial Institution to Financial Institution. $20.00
  • Paper Statement Fee. Per statement cycle. $3.00
  • Paper Statement Fee. Per statement cycle. Community Checking Only. $2.00

Account fees may reduce earnings.

Other Service Fees

Other Service Fees
  • Car Fax. Per report. $20.00
  • Account Reconciliation/Research Fee. $25.00 per hour. $25.00
  • Credit Union Check Purchase Fee. Fee waived if payable to member only, or if issued for $1,000.00 or more. $5.00
  • Non-Member Credit Union Check Purchase Fee. $3,000 Maximum. Cash Purchase Only. $10.00
  • Money Order Purchase Fee. Money Order valid for 3 months. $3.00
  • Credit Union/Money Order Stop Payment Fee. Valid for 6 months or until canceled per order. $25.00
  • Dormant Account Fee. Monthly fee on dormant accounts; no account activity for over 1 year. $15.00
  • Account Ownership Modification Fee. Per occurrence. $20.00
  • Loan Modification Fee. Per occurrence. $25.00
  • Skip-A-Payment Fee. $30.00
  • Legal Action Fee.  Processing for garnishments, levies and all other legal actions served. Per item. $50.00
  • Returned Mail Fee. Per month. $9.95
  • Facsimile (fax). Per page, local. $1.00
  • Locator Fee. Research work for locating membership. Per occurrence. $15.00
  • Notary Fee. (Fee $10 for Non-Members per sealed page) No Fee
  • Pay by Phone Fee. $15.00
  • Loan Pay – Online Services (not bill pay) $10.00
  • Loan Pay (recurring) $5.00
  • Safe Deposit Box Fees. Various sizes. Price varies
  • Custom Image Debit/Credit Card. $15.00
  • Coin Machine Fees. Waived for Tree Fort 15% Service Charge
  • Account Closed within 3 months of opening. $15.00
  • ID Safe Choice. Per month. (Optional Protection) $3.95

Account fees may reduce earnings.

Consumer Account Disclosure: The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth–in-Savings Disclosure. Fees may reduce earnings. See Fee Schedule. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty of up to 90 days of dividends may be imposed for early withdrawal on Share Certificates and Performance Saver Accounts and will affect earnings on the account. You must be an ACU member to qualify.

*Rates may change after account opening

Choose ACU for the Best Savings Account Rates in Tacoma, WA

At America’s Credit Union, it pays to belong. Our members enjoy some of the best annual percentage yields (APY) and lowest fees from Tacoma to the Olympia. How do we do it? We’re a not-for-profit financial cooperative owned by our members. That means more of the money we earn on our financial products comes right back to you rather than going to pay off shareholders. We return those extra earnings to you through higher dividends on your savings deposits, fewer fees, and lower charges. Bank or credit union? You do the math.

BECOME A MEMBER – JOIN US TODAY!

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